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Fees and Commissions (Tables)
 12 Months Ended
Dec. 31, 2022
Fees and Commissions [Abstract]  
Schedule of fees and commission
   For the years ended December 31, 
   2022   2021   2020 
   MCh$   MCh$   MCh$ 
             
Fee and commission income            
Fees and commissions for prepayments   11,348    16,266    15,943 
Fees and commissions of loans with credit lines   233    311    404 
Fees and commissions for lines of credits and overdrafts   8,766    7,602    7,428 
Fees and commissions for guarantees and letters of credit   35,935    39,010    36,277 
Fees and commissions for card services   352,448    273,641    196,308 
Fees and commissions for management of accounts   52,226    39,581    34,825 
Fees and commissions for collections and payments   54,060    26,871    23,242 
Fees and commissions for intermediation and management of securities   10,019    10,750    11,272 
Insurance brokerage fees   52,568    43,898    39,764 
Fees and commissions for factoring operations services   1,829    1,223    1,432 
Fees and commissions for securitizations   45    29    57 
Fees and commissions for financial advice   9,362    14,332    7,574 
Office banking   21,771    17,823    15,119 
Fees for other services rendered   56,543    49,178    44,072 
Other fees earned   61,910    54,666    33,792 
Total   729,063    595,181    467,509 

 

   For the years ended December 31, 
   2022   2021   2020 
   MCh$   MCh$   MCh$ 
             
Fee and commission expense            
Compensation for card operation   105,695    76,418    48,814 
Commissions for licence for use brands   7,360    5,570    5,241 
Commissions for services linked to the credit card and prepaid cards   11,458    10,083    9,102 
Commissions for obligations of loyalty programmes and merits for card customers   95,946    81,734    64,795 
Fees and commissions for securities transactions   8,551    8,001    5,955 
Office banking   2,382    2,115    2,078 
Interbank services   47,428    34,143    24,957 
Other fees   42,974    27,789    22,942 
Total   321,794    245,853    183,884 
                
Net fees and commissions income   407,269    349,328    283,625 

 
Schedule of income and expenses
    Segments     Revenue recognition calendar for ordinary activities  
As of December 31, 2022   Individuals and
PYMEs		     Companies and
Institutions		     Global
Investment
Banking		     Others     Total     Transferred
over time		     Transferred at a
point in time		     Accrual
model		  
    MCh$     MCh$     MCh$     MCh$     MCh$     MCh$     MCh$     MCh$  
                                                 
Commission income                                                
Commissions for prepayments     7,072       3,229       11       1,036       11,348      
-
       11,348      
-
  
Commissions of loans with credit lines     170      
-
      
-
       63       233      
-
       233      
-
  
Commissions for lines of credits and overdrafts     7,039       (836 )     2,556       7       8,766       8,766      
-
      
-
  
Commissions for guarantees and letters of credit     5,028       20,295       10,036       576       35,935       35,935      
-
      
-
  
Commissions for card services     301,123       24,915       9,417       16,993       352,448       71,904       280,544      
-
  
Commissions for management of accounts     48,336       3,011       845       34       52,226       46,054       6,172      
-
  
Commissions for collections and payments     65,897       9,318       8,052       (29,207 )     54,060               38,065       15,995  
Commissions for intermediation and management of securities     2,249       276       6,874       620       10,019      
-
       10,019      
-
  
Commissions for factoring operations services     52,757       12       1       (202 )     52,568      
-
      
-
       52,568  
Commissions for securitizations     313       657       761       98       1,829      
-
       1,829      
-
  
Commissions for financial advice    
-
      
-
       45      
-
       45      
-
       45      
-
  
Remuneration for insurance commercialization     (1,362 )     2,894       3,916       3,914       9,362      
-
       9,362      
-
  
Office banking     15,260       5,489       1,022       0       21,771       21,771      
-
      
-
  
Fees for other services rendered     52,059       3,801       668       15       56,543      
-
       56,543      
-
  
Other fees earned     47,603       9,790       6,905       (2,388 )     61,910      
-
       61,910      
-
  
Total     603,544       82,851       51,109       (8,441 )     729,063       184,430       476,070       68,563  
                                                                 
Commission expenses                                                                
Compensation for card operation     94,473       9,619       1,418       185       105,695       12,505       93,190      
-
  
Commissions for licence for use brands     6,679       620       51       10       7,360       5,500       1,860      
-
  
Commissions for services linked to the credit card and prepaid cards     11,029       391       38       0       11,458       11,458      
-
      
-
  
Commissions for obligations of loyalty programmes and merits for card customers     94,958       987       1       0       95,946       85,412       10,534          
Fees and commissions for securities transactions     0       0       6,186       2,365       8,551               8,551      
-
  
Office banking     4,772       (82 )     (2,308 )     0       2,382       2,382      
-
      
-
  
Interbank services     33,658       6,026       7,804       (60 )     47,428      
-
       47,428      
-
  
Other fees     45,269       2,646       619       (5,560 )     42,974      
-
       42,974      
-
  
Total     290,838       20,207       13,809       (3,060 )     321,794       117,257       204,537       0  
Total Net commission income and expenses     312,706       62,644       37,300       (5,381 )     407,269       67,173       271,533       68,563  

 

    Segments     Revenue recognition calendar for ordinary activities  
As of December 31, 2021   Individuals
and
PYMEs		     Companies
and
Institutions		     Global
Investment
Banking		    
Others		      Total      Transferred
over time		     Transferred
at a point in time		     Accrual
model		  
    MCh$     MCh$     MCh$     MCh$     MCh$     MCh$     MCh$     MCh$  
                                                 
Commission income                                                
Commissions for prepayments     8,360       7,572       1,525       (1,191 )     16,266      
-
       16,266      
-
  
Commissions of loans with credit lines     323       1      
-
       (13 )     311      
-
       311      
-
  
Commissions for lines of credits and overdrafts     6,284       835       430       53       7,602       7,602      
-
      
-
  
Commissions for guarantees and letters of credit     11,620       19,281       7,983       126       39,010       39,010      
-
      
-
  
Commissions for card services     258,971       11,223       3,401       46       273,641       58,186       215,455      
-
  
Commissions for management of accounts     35,933       2,496       1,149       3       39,581       39,581      
-
      
-
  
Commissions for collections and payments     24,615       1,561       653       42       26,871      
-
       12,498       14,373  
Commissions for intermediation and management of securities     3,687       355       5,790       918       10,750      
-
       10,750      
-
  
Commissions for factoring operations services     43,995      
-
       3       (100 )     43,898      
-
      
-
       43,898  
Commissions for securitizations     359       418       444       2       1,223      
-
       1,223      
-
  
Commissions for financial advice    
-
      
-
       29      
-
       29      
-
       29      
-
  
Remuneration for insurance commercialization     1       2,297       12,097       (63 )     14,332      
-
       14,332      
-
  
Office banking     12,493       4,494       836               17,823       17,823      
-
      
-
  
Fees for other services rendered     45,278       3,306       581       13       49,178      
-
       49,178      
-
  
Other fees earned     38,017       6,788       2,311       7,550       54,666      
-
       54,666      
-
  
Total     489,936       60,627       37,232       7,386       595,181       162,202       374,708       58,271  
                                                                 
Commission expenses                                                                
Compensation for card operation     69,756       5,119       1,034       509       76,418       9,041       67,377      
-
  
Commissions for licence for use brands     5,370       215       (15 )    
-
       5,570       4,162       1,408      
-
  
Commissions for services linked to the credit card and prepaid cards     9,987       80       16      
-
       10,083       10,083      
-
      
-
  
Commissions for obligations of loyalty programmes and merits for card customers     81,610       621       3       (500 )     81,734       72,760       8,974      
-
  
Fees and commissions for securities transactions    
-
      
-
       4,688       3,313       8,001      
-
       8,001      
-
  
Office banking     4,237       (73 )     (2,049 )             2,115       2,115              
-
  
Interbank services     24,230       4,338       5,618       (43 )     34,143      
-
       34,143      
-
  
Other fees     41,588       2,568       4,472       (20,839 )     27,789      
-
       27,789      
-
  
Total     236,778       12,868       13,767       (17,560 )     245,853       98,161       147,692      
-
  
Total Net commission income and expenses     253,158       47,759       23,465       24,946       349,328       64,041       227,016       58,271  

 

   Segments  

Revenue recognition calendar

for ordinary activities

 

As of December 31, 2020

  Individuals and PYMEs   Companies and Institutions   Global Investment Banking   Others  

 

Total

  

 

Transferred over time

  

Transferred at a point in time

  

 

Accrual model

 
   MCh$   MCh$   MCh$   MCh$   MCh$   MCh$   MCh$   MCh$ 
                                 
Commission income                                
Commissions for prepayments   8,450    6,362    1,116    15    15,943    
-
    15,943    
-
 
Commissions of loans with credit lines   299    98    7    
-
    404    
-
    404    
-
 
Commissions for lines of credits and overdrafts   6,334    690    398    6    7,428    7,428    
-
    
-
 
Commissions for guarantees and letters of credit   11,304    17,505    7,112    356    36,277    36,277    
-
    
-
 
Commissions for card services   187,098    6,620    2,568    22    196,308    47,073    149,235    
-
 
Commissions for management of accounts   31,508    2,495    819    3    34,825    34,825    
 
    
-
 
Commissions for collections and payments   21,281    1,514    367    80    23,242    
-
    11,303    11,939 
Commissions for intermediation and management of securities   3,353    299    8,149    (529)   11,272    
-
    11,272    
-
 
Commissions for factoring operations services   39,764    
-
    
-
    
-
    39,764    
-
    
-
    39,764 
Commissions for securitizations   398    501    530    3    1,432    
-
    1,432    
-
 
Commissions for financial advice   
-
    
-
    57    
-
    57    
-
    57    
-
 
Remuneration for insurance commercialization   -    1,893    5,681    
-
    7,574    
-
    7,574    
-
 
Office banking   10,393    4,077    649    
-
    15,119    15,119    
-
    
-
 
Fees for other services rendered   39,318    3,606    1,028    120    44,072    
-
    44,072    
-
 
Other fees earned   18,550    9,322    6,582    (662)   33,792    
-
    33,792    
-
 
Total   378,050    54,982    35,063    (586)   467,509    140,722    275,084    51,703 
                                         
Commission expenses                                        
Compensation for card operation   43,933    3,905    732    488    49,058    5,804    43,254    
-
 
Commissions for licence for use brands   4,927    262    52    0    5,241    3,917    1,324    
-
 
Commissions for services linked to the credit card and prepaid cards   8,829    182    79    12    9,102    9,102    
-
    
-
 
Commissions for obligations of loyalty programmes and merits for card customers   64,795                64,795    57,681    7,114    
-
 
Fees and commissions for securities transactions             3,871    2,084    5,955         5,955    
-
 
Office banking   1,326    434    314    4    2,078    2,078         
-
 
Interbank services   16,073    5,183    3,663    38    24,957    
-
    24,957    
-
 
Other fees   15,987    221    2,049    4,441    22,698    
-
    22,698    
-
 
Total   155,870    10,187    10,760    7,067    183,884    78,582    105,302    
-
 
Total Net commission income and expenses   222,180    44,795    24,303    (7,653)   283,625    62,140    169,782    51,703